This issue should not vary from jurisdiction to jurisdiction, but in Montana, you have to file a lawsuit in the name of the actual person that hit you. You never include an insurance company as a defendant. This is because an insurance company indemnifies a person, they are not responsible for their actions. So, once you sue the actual person, the insurance company then has a contractual duty to hire an attorney for that person and ultimately indemnify them for an amount of money up to their policy limit of insurance. For more info on insurance subjects, please visit my insurance blog linked on our firm website.
Answered on Jun 29th, 2011 at 1:43 PM